Reply To: Ira to Roth conversation for 2020

Home Fairmark Forum Retirement Savings and Benefits Ira to Roth conversation for 2020 Reply To: Ira to Roth conversation for 2020

#6276
Alan S.
Participant

Yes, that is correct. In 2020, with no RMDs, a person can do a QCD, a non conversion distribution, or a conversion in any order, or do multiple such transactions in any order they wish. These QCDs can be more or less than what the RMD would have been (but not over 100k), and the conversions can also be more or less than the RMD would have been. In other words, the amount that would have been the RMD is totally immaterial.